Northland Area Credit Union Reed City MI | Quick Personal Loans & Business Banking

Introduction

Welcome to Northland Area, your trusted financial partner in the heart of Reed City, Michigan! Established in 1957, we take pride in serving our community with dedication and care. With a strong membership base of over 45,000 members, we are committed to providing personalized banking solutions that cater to your unique needs. Located at 840 S Chestnut St, Reed City, MI 49677, our branch is easily accessible for all your banking requirements. For official correspondence, please reach us at our mailing address: 1161 N Bagley St, Alpena, MI 49707-8101. Our friendly team is always here to assist you, whether you're looking for checking and savings accounts or need help with auto loans, mortgages, or business banking services. With total assets exceeding $664 million and total deposits of $42 million, we are well-equipped to support your financial journey. Our dedication is reflected not only in our numbers but also in our commitment to the community. Our CEO, Pete Dzuris, and Board President, Mike Palumbo, lead a passionate team of 148 employees who are ready to provide exceptional service. At Northland Area, we believe in empowering our members through financial education and resources. Whether you prefer online banking or visiting us in person, we offer a variety of services tailored just for you. We invite you to explore our offerings further by visiting our website at northlandcu.com. Feel free to give us a call at 989-739-1401 if you have any questions or need assistance. We look forward to welcoming you into our Northland family!

Branch History & Mission

Community Impact

Our mission is simple yet powerful: to enhance the financial well-being of our members while actively contributing to the growth of our local community. We believe in supporting not just financial goals but also local initiatives that make Reed City a great place to live. This mission guides every decision we make as we seek to empower individuals through responsible lending practices and educational resources. While members can visit us at 840 S Chestnut St in Reed City for all their banking needs including access to an ATM and drive-thru services official correspondence should be sent to our mailing address at 1161 N Bagley St, Alpena, MI 49707-8101.

Looking Forward

As we look ahead, we remain committed to enhancing member experience through digital advancements and customer-focused initiatives. We understand the importance of accessibility; that's why we offer services like mobile banking and electronic statements to ensure convenience for all members. Join us at Northland Area and experience firsthand how we can help you achieve your financial dreams while being an integral part of the Reed City community. Together, let's build a brighter future! For more information or to get started with your account today, call us at 989-739-1401 or visit our website at Northland Area.

Our Journey

Since opening our doors, we have focused on building strong relationships with our members. Our total assets now stand at an impressive $664,964,709, reflecting our dedication to providing valuable financial services. Throughout the years, we have embraced change and adapted to meet the needs of our community. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, business banking solutions, and online banking capabilities.

Branch Location & Accessibility

Accessibility and Services

We pride ourselves on being accessible to everyone. Our branch is ADA compliant and features ramps for easy entry. Whether you're visiting us for personal banking services like checking and savings accounts or need help with loans and financing options, our team is here to assist you every step of the way.

Additional Banking Options

For those who prefer not to enter the branch, we offer convenient drive-thru banking services for quick deposits and withdrawals. Plus, with ATM availability on-site, accessing cash has never been easier. We invite you to reach out with any questions at 989-739-1401 or come visit us at Northland Area in Reed City. Our dedicated team looks forward to serving you!

Nearby Landmarks and Features

Our branch is just a stone's throw away from local favorites like the Reed City Park and the historic downtown area. This prime location not only makes banking easy but also allows you to enjoy a pleasant stroll or grab a coffee nearby after your visit. Ample parking is available right outside our doors, ensuring that you can find a spot without any hassle.

Operating Hours

Our lobby hours are designed to fit your schedule. We're open Monday through Thursday from 9 AM to 5 PM and extend our hours on Friday until 6 PM. Whether you're dropping by before work or during lunch, we strive to be there when you need us.

Member Eligibility

Becoming a member of Northland Area is like joining a close-knit family that cares about your financial well-being. If you live, work, or worship in the area, you're likely eligible to join us! We believe everyone deserves access to friendly and personalized banking services, so we welcome individuals from all walks of life. Our community-centric approach means that as a member, you'll benefit from competitive rates on loans and savings, along with a range of financial products designed just for you. For detailed eligibility information, feel free to check out our website at . Opening an account is simple and straightforward. You can start the process by visiting us at our branch located at 840 S Chestnut St Reed City Mi 49677, or you can apply online through this link: http://www.northlandcu.com/nafcu/applications. If you have any questions or need assistance, don't hesitate to call us at (989) 739-1401. We're here to help you every step of the way as you embark on your journey with Northland Area!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $579 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $118,508,839, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to lending options, we offer merchant services that simplify payment processing for your business. Imagine running your shop and having the ability to accept payments seamlessly through various methods, from credit cards to mobile wallets. This allows you to focus on what you do best serving your customers. Visit us at 840 S Chestnut St Reed City Mi 49677 or give us a call at (989) 739-1401 to learn more about how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure you have access to your money whenever you need it. Plus, our drive-thru service makes quick transactions easy without leaving your vehicle. We invite you to visit us at Northland Area, where our friendly staff is ready to assist you with any questions regarding these services or help you get started with an account today! For more information or assistance, feel free to call us at (989) 739-1401. Explore how we can serve you better!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing services can help you hit the road with confidence. We offer competitive rates and flexible terms, making it easier for you to finance the vehicle you've always wanted.

Business Banking

For our entrepreneur members, we offer comprehensive Business Banking solutions including merchant services and business loans. We understand the importance of having the right financial tools to grow your business, and we're here to support your success.

Credit Cards with Rewards

Our Credit Cards with Rewards program is designed for those who want to earn while they spend. Enjoy cash back on purchases and other rewards that make using your card even more beneficial.

Mortgage Loans & Refinancing

Homeownership is a dream for many, and our Mortgage Loans & Refinancing services are here to make that dream come true. Whether you're looking to buy your first home or refinance your current mortgage for better rates, we will guide you through the process with personalized support.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features, allowing you to manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills all from the comfort of your smartphone or computer.

Personal Banking

We understand that everyone has unique financial goals. That's why our Personal Banking options include checking and savings accounts designed to help you manage your everyday finances effectively. Whether you're saving for a big purchase or just want a safe place for your money, we have options that fit your lifestyle.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. With our Personal Loans & Debt Consolidation options, you can tackle those challenges head-on. We provide loans that help consolidate debt or cover personal needs, giving you peace of mind during tough times.

Digital & Online Banking

Key Features

With our online banking, you can check your balance, transfer funds, and pay bills anytime without stepping foot in a branch. Enjoy the convenience of E-Statements, so you can go green and access your financial statements right from your device. Our mobile application makes banking even more straightforward, allowing you to manage your finances on the go. Need to send money to a friend? Our person-to-person transfers let you do just that with just a few taps. Plus, if you're ever in a hurry, our mobile payments feature allows you to make purchases directly from your phone no wallet needed!

Security and Ease of Use

We prioritize your security while making banking as easy as possible. With electronic signature authorization, signing documents online is safe and hassle-free. You can feel confident knowing that your information is protected while enjoying the flexibility of managing your account whenever you need to. At Northland Area, we believe that banking should be accessible for everyone. That's why we offer these modern tools that allow for real-time account management from the comfort of your home or wherever life takes you. Experience the future of banking today!

Financial Strength

At Northland Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation that empowers us to serve you better. With a net worth of $66,261,466, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 996 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $112,459,406 in share certificates and $123,775,518 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,317,045, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $59,049,862 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also impressive; with $4,768 in used auto loans and a total of $426,342,051 in loans and leases available for our members' financial goals across various sectors. Our operational efficiency shines through with a net income of $2,377,737, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 144 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $1,114,341. Total Share and Deposit Accounts: 103,946, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northland Area is your trusted partner. Visit us at 840 S Chestnut St Reed City MI 49677 or call 989-739-1401 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $64,928,750 in used vehicle loans and $26,667,365 in new vehicle loans already helping members get on the road. We provide flexible financing solutions for both new and used vehicles, making it easier than ever for you to drive away in the car you want.

Business Financing

For business owners, our outstanding commercial loans totaling $118,508,839 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or finance operational costs, we have solutions that suit various business needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,185,007, make buying or refinancing simple. We offer competitive rates and terms that fit within your budget, allowing you to invest in your future with confidence.

Refinancing Options

If you're considering refinancing any existing loans, we can guide you through eligibility options tailored specifically for your situation. We're here to help you make informed decisions that can lead to better financial outcomes. At Northland Area in Reed City, MI (840 S Chestnut St), our team is dedicated to providing personalized service that meets your needs. For more information about our loan offerings or assistance with applications, please call us at 989-739-1401 or visit us online at Northland Area. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us support you on your journey toward financial wellness!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 currently available. This option can help members manage their finances effectively without the need for collateral.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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Take Action Today

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Northland Area